A. The calls we get from the self-employed client are always the same. The insurance company has called and talk to the injured party. The person that becomes our clients have told us, the insurance company tells them they're self-employed and it's difficult to prove lost wages and they will pay a fractional amount, usually 15%, or nothing. We pay for all types of insurance our entire lives, then in the rare case we need it, the insurance companies try to screw us.
Insurance companies are in the business of making money by paying you as little as possible. It's not their goal to pay you what you deserve. The self-employed have a little more work to determine what their lost wages are. It's not as concrete as a W-2 to list your income, or a pay stub. It's an area that that is open for argument. Be cautious when dealing with your initial talk with the insurance company. Your statements given to insurance companies will be spun to be used against you. Don't allow them to record your conversations.
Recent New Hampshire case law has stated New Hampshire law “does not require that damages be calculated with mathematical certainty, the method used to compute damages need not be more than approximation”. Cabone v. Tierney, 151 N.H. 521 (2004).
The Law Office of Richard E. Clark, LLC aggressively represenst personal injury clients throughout New Hampshire and Massachusetts. Attorney Clark will fight to get what you deserve. For a free consultation, call Attorney Clark at (603) 431-0009.